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At Midwest BankCentre, we understand that everyone’s financial needs are unique. That’s why we offer a variety of checking accounts to fit your lifestyle. Whether you need a simple, no-frills account, or one with premium benefits, we have the perfect solution for you.

All Midwest BankCentre checking accounts offer:

This is an abbreviated list of our most popular checking accounts. Other restrictions may apply. Other benefits may be included. See a banker for details.

Tiers

Interest Rate1

APY*

Max Rewards Checking

$0 – $4,998.990.05%0.05%
$4,999 – $499,9990.10%0.10%
$500,000 and up0.15%0.15%

Rates shown apply to daily balances indicated. Interest rates are effective as of 10/08/2025 and may change after account opening. Daily balance refers to the amount of the principal in the account each day. If the daily balance in the account is $4,998.99 or less, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $4,999.00 but less than $499,999; with an annual percentage yield range from 0.05% to 0.10%, depending on the balance in the account. An interest rate of 0.15% will be paid only for that portion of your daily balance that is equal to or greater than $499,999; with an annual percentage yield range from 0.10% to 0.15%, depending on the balance in the account. (APY calculations are based on a total deposit balance of $10,000.00).

*APY is the Annual Percentage Yield.

The Midwest BankCentre Visa® debit card offers convenient access to your funds with secure, contactless payments, no annual fees, and access to over 20,000 surcharge-free ATMs nationwide. It also provides fraud protection and real-time transaction alerts, ensuring safe and easy money management.

Our Life Happens™ Checking helps customers who are trying to establish or rebuild their financial history by offering a FDIC-insured checking account designed to help you manage your money with powerful technology and limited fees.

If you don’t have financial history or you are looking to rebuild, you may benefit from our Life Happens™ Checking.

When you bank with us, you gain a trusted advisor while your money stays in the region, opening more doors for more people.